A director in Standard & Poor's Corporate and Government Services, John Iten has analytic responsibility for a portfolio of U.S. commercial property/casualty insurance companies with interactive ratings. He is also the commercial lines sector specialist for the North American insurance group. Prior to joining Standard & Poor's in 2002, John was an investment specialist with Scudder Insurance Asset Management, a unit of Zurich Scudder Investments focusing on the management of investment portfolios for property/casualty, life, and health insurers. Prior to that, he was with Standard & Poor's Insurance Ratings from 1988 to 1994. During this period he had analytic responsibility for a wide variety of both U.S. and European property/casualty and life insurers. Previously, he was a commercial lending officer in the New York office of PNC Bank.